123 Garden St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 123 Garden St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,761 sqft · built 1926
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,520,000 (Feb 2025)
Tax Bill	$16,950 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:0520003700000`

Property Details

APN / Parcel Number

Primary APN	`M:0520003700000`
Alternative APN	`NEED M:052.0 B:0037 L:0000.0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,761 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	1,761 sqft
Basement Area	1,612 sqft
Unfinished Basement	1,612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,977 sqft (0.252 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	123 GARDEN ST
City	NEEDHAM
State	MA
Zip	02492-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	80 CLAPP ST
Legal Block	37
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3019
Census Tract	457200

Owner

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	123 GARDEN ST, NEEDHAM, MA 02492-2029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 25, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Jun 2, 2017	Quit Claim Deed, Transfer WELLESLEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Jun 2, 2017 · Amount on Record
Deed Book / Page	42267 / 219
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	123 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042990-559
Date	Mar 18, 2026
Book Page	42990/559
Instrument	16745

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	123 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34869-100
Date	Jan 25, 2017
Book Page	34869/100
Instrument	7457

Lender

Name	SANTANDER BK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	123 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38053-23
Date	Jul 1, 2020
Book Page	38053/23
Instrument	63719

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jun 2, 2017
Property Address	123 GARDEN ST, NEEDHAM, MA 02492-2029
Document Number	35161-38
Book / Page	35161 / 38
Instrument	48291
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.01
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	351610040
Date	Jun 2, 2017
Instrument	35161/0040

Lender

Name	WELLESLEY BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2047

Interest

Rate	3.75%
Max Rate At Change	70.1%
Max Rate	2.75%

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,950.00 (+14%)	$1,599,100 (+40.25%) Land $799,200 Building $799,900	$1,438,395 (-17.09%)
2024			$1,734,890
2023	$14,868.00	$1,140,200 Land $506,000 Building $634,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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